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First Bancorp, Inc (ME) (FNLC) vs PCB Bancorp (PCB)

First Bancorp, Inc (ME) and PCB Bancorp are both Banks Regional companies. First Bancorp, Inc (ME) and PCB Bancorp are of similar size ($390.4M and $381.4M). PCB Bancorp trades at the lower P/E: 9.6× against 10.1×. PCB Bancorp grew revenue faster over the last twelve months: 6.34% against 3.78%. First Bancorp, Inc (ME) has the higher net margin (21.1% vs 19.4%) and the lower return on invested capital (9.70% vs 16.3%). Both pay a dividend; First Bancorp, Inc (ME) yields more (4.36% vs 3.07%). Across the 19 metrics below, PCB Bancorp leads on 14 and First Bancorp, Inc (ME) on 5.

Valuation

Metric FNLC PCB Banks Regional median
P/E 10.08 9.64 11.98
P/S 2.13 1.85 2.34
P/B 1.30 1.19 1.19
Price to free cash flow 10.74 9.66 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.92% 10.37% 8.23%
Free cash flow yield 9.32% 10.36% 9.08%

Profitability

Metric FNLC PCB Banks Regional median
Gross margin 56.60% 56.62% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.12% 19.35% 18.66%
Free cash flow margin 19.89% 19.21% 21.11%
Return on equity 13.54% 12.89% 10.65%
Return on assets 1.18% 1.22% 1.13%
Return on invested capital 9.70% 16.25% 8.35%

Growth

Metric FNLC PCB Banks Regional median
Revenue growth (TTM) 3.78% 6.34% 6.98%
EPS growth (last fiscal year) 26.34% 48.28% 18.88%
Revenue growth, 5-year CAGR 13.27% 18.00% 12.38%
Net income growth, 5-year CAGR 4.86% 17.91% 9.71%

Health

Metric FNLC PCB Banks Regional median
Debt to equity 0.12 0.22 0.22
Current ratio 0.86 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNLC PCB Banks Regional median
Dividend yield 4.36% 3.07% 2.57%
Payout ratio 0.45 0.30 0.30

Size

Metric FNLC PCB Banks Regional median
Market cap 381.35m 390.44m 913.33m

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